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RSPCA Pet Insurance offers three different cover options to suit different needs and budgets. Plus a portion of your premiums go to the RSPCA to support them in helping other Australian animals.
|Last checked||Code description||Code|
|1 Oct 2019||1st month free||********|
|1 Oct 2019||10% Multi-pet Discount||********|
Review by our pet insurance expert Alexandra Koster
For a better idea of the exact protection offered under each plan, compare features in the table of benefits below:
|What’s covered?||RSPCA Basic Accident Only Cover||RSPCA Economy Accident & Illness Cover||RSPCA Ultimate Accident & Illness Cover|
|Age of pets|
|Maximum yearly benefit amount|
|Cover for accidents|
|Cover for illnesses|
|Routine care benefit|
|Overall annual claim maximum|
|Yearly paralysis tick benefit|
|Emergency boarding fees when you’re hospitalised for five or more consecutive days during the policy period|
As the name suggests, RSPCA Pet Insurance Accidental Injury Cover steps in to help cover your vet bills when your cat or dog suffers an accidental injury. Your policy will cover up to 80% of eligible vet treatment bills to ensure that you can give your pet the best* possible care.
RSPCA Pet Insurance Accidental Injury Cover will pay a benefit when your pet suffers an injury as a direct result of:
However, there are a range of injuries for which a benefit will not be paid. These include pre-existing conditions, patella luxations, elbow dysplasia, fractures teeth, toxicity and intervertebral disc disease. If you're concerned, ensure you the PDS for a full list of exclusions.
Under RSPCA’s Illness Cover, your policy will cover up to 75% of your vet bills when your pet receives treatment for a range of accidents and illnesses. These include cancer, hereditary problems, skin conditions and many more. Pre-existing conditions are generally excluded. If you're concerned about whether your pet is eligible, ensure you read the exclusions outlined in the PDS in detail.
RSPCA's Ultimate Accident & Illness is the most comprehensive cover option for your furry friend. It covers up to 80% of your vet bills when your pet receives treatment for a range of illnesses and accidents. For extra protection, you also have to option to take out added routine care cover. However some exclusions do apply. These include:
RSPCA's Pet Insurance has a range of other benefits at no added cost. These include:
If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
Every dog lover wants to give their pooch the best possible care and veterinary treatment — when you consider all the love and joy they bring into our lives, it really is the least we can do. With an RSPCA Dog Insurance policy in place, you won’t have to compromise when it comes to giving your dog the treatment they need.
With RSPCA Pet Insurance, you can take out cover for up to 80% of your pet’s eligible vet bills, up to an annual limit of $11,000. This means you won’t have to think twice when it comes to choosing a treatment option for your four-legged friend.
Once your dog is insured, you can continue to renew coverage for the rest of their life. There’s also a 10% discount when you insure more than one pet and RSPCA Pet Insurance prides itself on providing a fast and stress-free claims process.
RSPCA offers three different policies to suit a range of needs.
If you want basic cover for those worst case scenario injuries that could end up costing you thousands, Basic Accident Only Cover can provide the protection you need.
If you want to protect your wallet against the costs involved when your dog suffers an illness, RSPCA Economy Accident & Illness Cover offers more comprehensive coverage for your pooch.
If you want to give your pet the best protection possible, the Ultimate plan offers their most comprehensive coverage and the option of a routine care benefit, which helps you take care of things like heartworm tests, desexing and microchipping.
Though it’s often said that cats always land on their feet, this isn’t necessarily true. Illness and injury can wreak havoc on your kitty's health, which can result in some significant damage to your hip pocket. But if you have RSPCA Cat Insurance, you’ll be able to enjoy much-needed financial protection and the freedom to give your pet the best possible care.
You are able to take your cat to any licensed vet within Australia for treatment, while there’s a 10% discount available when you insure more than one pet. The claims process is quick and stress-free, and a portion of your premiums go to the RSPCA to help them provide protection for all creatures great and small across Australia.
Just like any other insurance policy, RSPCA Pet Insurance contains a list of general exclusions. Your claim will not be paid if it is a result of:
Ensure you read the PDS in detail if you are concerned about any exclusions.
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